Study on situation, problem and countermeasure in the development of banking industry

Currently, the Chinese economy is encountering a period of stagnation in its development. Sustaining the rapid growth rate of the economy has become a challenge, as there is a lack of adequate momentum for continuous high-speed advancement. The nation is edging closer to the middle-income trap, and the conventional approach of relying on investment, exports, and consumption to propel economic growth is proving to be unattainable. It must be achieved through the transformation of economic structure, and the transformation of the financial industry is the most important part of it. The research question of this article is how commercial banks affect economic growth and how China's banking system has developed. The WTO's entrance into China has been a major catalyst for the banking industry and its system to be built. The literature review section delved deeply into economic growth, examining the concept of it, how it is achieved in China, as well as any factors that may influence it. More importantly, the study reviewed what the banking industry is and the development stages of China's banking industry. The banking industry's development was examined in the concluding part of the literature review, examining pertinent studies on the effect of economic expansion. In the discussion section of the research, we analyzed how the banking industry affects economic growth through its impact on capital allocation, banking services, and currency. Ultimately, we drew corresponding conclusions and proposed countermeasures and suggestions for the future development of the banking industry. Due to the fact that the industrial structure of developing countries is usually dominated by labor-intensive industries, clarifying the interrelationship between China's banking structure, capital allocation efficiency, and economic growth has universal significance and reference value for relevant financial arrangements in developing countries.

Assessment and Analysis Strategies according to Space Matrix-case Study: Petrochemical and Banking Industries in Tehran Stock Exchange (TSE)

As the consistency prediction of data view in information systems and actual data, data quality is of vital importance to decision making and the development of banking industry. In this paper, we firstly analyze the influence of data quality on the banking industry, and make researches on the current situation of banking industry data quality automated management. Then five evaluation dimensions (completeness, timeliness, validity, consistency and accuracy) of data are investigated, and specific evaluation indexes according to the applications of data in the banking systems are proposed. Based on the research, we design and implement a data quality assessment management system for the banking industry. The assessment system proposed is deployed in a domestic bank and good results have been achieved.

This article proposes examining human resource management practices (HRMPs) and work motivation in influencing work commitment in the Indonesian banking industry. This research employs quantitative survey research. The survey data contains 277 employees from 11 Indonesian private commercial banks. To analyze the data, this study uses the multiple regression method. This study finds that HRMPs and work motivation positively predict work commitment. Results also identify work motivation as a positive predictor of work commitment. Therefore, HRMPs and work motivation make positive contributions to influencing work commitment. Research on links between HRMPs, WM, and WC is important but has not been studied. This article is hoped to be a novelty. It is expected to address an important gap in the human resource management literature. HRMPs, work motivation, and work commitment in the Indonesian banking industry can contribute to human resources management literature. Indonesia's banking industry is booming. As a result, there is a need for efficient and experienced human resource recruitment. This research will contribute to Indonesia's banking industry development.

With the development of Internet information technology, such as mobile payment, cloud computing and large data, there is a new financial service model - Internet financial model. Analysis of the development of Internet finance found that through the replication of financial functions, and the traditional banking industry to form a competitive situation, and the bank resource allocation, payment and settlement and risk management business impact. In the future development, commercial banks must use the Internet technology platform to promote the transformation in the field of management. In the competition with their own advantages to form a complementary integration, in order to promote the improvement of financial services efficiency. In this process, the government actively develop the Internet financial regulatory laws and regulations, improve the lack of supervision of Internet finance.

Investors, researchers, and policy makers have an urgent need to understand the linkages between internet finance and traditional financial markets. This study collects corresponding daily industrial indices of the banking, security, and insurance industries from the Wind database to depict the traditional financial market in China and uses an online loan comprehensive interest rate index as a proxy for internet finance. The empirical results first show that only internet finance and the banking industry have mutual causality. Then, using conditional value at risk (CoVaR) to measure the degree of spillovers, the risk of internet finance is more likely to spill over to the banking industry, followed by the insurance industry and, lastly, the securities industry. These findings are consistent with the closeness between internet finance and the banking, insurance, and security industries, respectively. The linkage relationships and spillover effect are robust to the method and market index applied.

Digital banking is one of the latest applications that integrates all services of traditional banks via digitized technology. Its pivotal role in the development of banking industry has been recently recognized, especially in emerging countries such as Vietnam. This paper identified the determinants of Vietnamese consumers’ behavioural intention to adopt or use digital banking . By using the Modified Unified Theory of Acceptance and Use of Technology (UTAUT2), the eight constructing factors have been selected to examine their influences on the Vietnamese customers’ behaviour: performance expectancy (PE), effort expectancy (EE), social influences (SI), facilitating conditions (FC), hedonic motivation (HM), price value (PV), habit (HT), and trust (TR). The findings suggested that performance expectancy, effort expectancy, hedonic motivation, habit, and trust significantly and positively influence the behavioural intention of digital banking services. The intention of adoption services, together with habit and facilitating conditions are three significant factors capturing the usage intention under the context of Vietnam. The empirical results not only made a valuable contribution to the existing research on banking innovation, but also provided benefits to policy-makers, bank supervisors, and bank managers concerning how to develop and improve the customers’ recognition and intention to use new banking services.

Environmental, social, and governance (ESG) development has indeed changed the original economic operation status through diversified methods. The banking industry, especially under the guidance of ESG, reminds the banking industry that it should focus on regulatory conditions such as lending objects with ESG operating characteristics. In terms of corporate governance, the banking industry needs to adopt high self-management standards for business development. This paper uses the panel threshold model to measure the regional moral hazard of 30 firms in the Taiwan bank industry from 2007 to 2018. The research shows that banks with high regional loan concentration ratios have evidence of moral hazard and a significant asymmetric effect in the regional loan concentration ratio in the bank industry. Based on this, the bank’s high regional (NPL ratio) is used to measure the level of the bank’s credit risk and quality of outstanding loans, which requires strengthening loan quality, the optimum concentration of loan weight, promoting the establishment of the effectiveness of the ownership structure and enhancing the development of management ability. Due to Taiwan’s banking industry’s overly competitive business environment, loan concentration and moral hazard lending practices have emerged. There is an apparent correlation between the development of the banking industry and an extremely competitive business environment. Therefore, how to have healthy competition in the banking industry instead of vicious competition is worth learning from other countries. This paper argues that creating a competitive banking environment is crucial. To target loan recipients, the banking industry should leverage its business expertise, integrity, and business ethos in line with international trends, such as ESG development trends. Regarding corporate governance, banks should be able to use equity structures, compensation system management, and internal management measures to establish more competitive professional banks.

This paper describes the regulation of Islamic economics and the urgency of its development, the post-reform Islamic economic, regulatory system, and analyzes the orientation of Indonesian Islamic economic regulation from a political economy perspective. This article's method is a descriptive analysis by analyzing political phenomena that occur in the formulation of Islamic economic regulations in post-reform Indonesia. This qualitative research uses literature studies. The development of Islamic financial regulation in Indonesia is relatively late when referring to Islamic finance development in other countries. This is related to the national political conditions, which are generally less responsive to institutions labeled Islamic. The dramatic changes in Indonesian politics since the fall of the Soeharto regime have made room for real democracy. Islamic banking regulation responds to the Islamic banking industry's development, which requires assurance of legal certainty and legal justice in a clear regulation. The increase in the role of the government in dealing with Islamic economic problems has a big role. According to Islam, economic policies must be supported by social responsibility, limited economic freedom by sharia, multi-ownership recognition, namely private ownership, state ownership, and a high work ethic. The interpretation and development of Islamic economic regulations can be richer and more important if it is based on concrete experiences of development in implementing Islamic economic regulations in Indonesia. In seeking economic laws in line with the rububiyah principle, practical experiences are material for validating Islamic economic laws.

This paper describes the regulation of Islamic economics and the urgency of its development, the post-reform Islamic economic, regulatory system, and analyzes the orientation of Indonesian Islamic economic regulation from a political economy perspective. This article's method is a descriptive analysis by analyzing political phenomena that occur in the formulation of Islamic economic regulations in post-reform Indonesia. This qualitative research uses literature studies. The development of Islamic financial regulation in Indonesia is relatively late when referring to Islamic finance development in other countries. This is related to the national political conditions, which are generally less responsive to institutions labeled Islamic. The dramatic changes in Indonesian politics since the fall of the Soeharto regime have made room for real democracy. Islamic banking regulation responds to the Islamic banking industry's development, which requires assurance of legal certainty and legal justice in a clear regulation. The increase in the role of the government in dealing with Islamic economic problems has a big role. According to Islam, economic policies must be supported by social responsibility, limited economic freedom by sharia, multi-ownership recognition, namely private ownership, state ownership, and a high work ethic. The interpretation and development of Islamic economic regulations can be richer and more important if it is based on concrete experiences of development in implementing Islamic economic regulations in Indonesia. In seeking economic laws in line with the rububiyah principle, practical experiences are material for validating Islamic economic laws.

In recent years, with the rapid development of Internet finance, Internet technology has become increasingly mature and popular with the general public. The Internet is subtly changing our lives and economic activities as well as people's thinking habits. With the continuous development of the wave of financial innovation, the traditional financial industry is facing huge crises and challenges. Whether the banking industry of traditional financial institutions can meet the challenges from Internet finance and whether the banking industry can rely on Internet finance to innovate and improve its own business not only determines the future of the banking industry but also relates to the healthy development of financial industry in the future.

The purpose of this study was to examine the effect of investment in information systems in the banking industry and financial institutions as measured by IT capital expense on profitability as measured by return on assets and productivity as measured by the malmquist measurement, and how will it affect if it is intervening with disclosure of information through Internet Financial Reporting. This research method is quantitative using SPSS-assisted regression analysis. Research on the topic of productivity is usually carried out in manufacturing companies, but this research uses the banking industry and financial institutions.Based on the results of the study, it shows that investment in accounting information systems as measured by IT capital or investment in software or hardware has a strong influence on the level of profitability both directly and through disclosure of internet financial reporting (IFR). However, investment in IT in the banking industry and financial institutions has no effect on malmquist productivity. If through IFR, there is an influence between IT capital and malmquist productivity.

<p>In recent years, with the continuous improvement of China's economic development level, the banking industry has developed by leaps and bounds. Its profitability and comprehensive competitiveness has been greatly improved. banks are the symbol of financial economy and the embodiment of a country's economic strength. The steady development of the banking industry will have directly impact on social stability and the level of economic development. The emergence of interest rate liberalization has reduced the state's decision on interest rate, which brings more convenience and great development opportunities to banks, promoting the rapid development of the banking industry. However, it is undeniable that interest rate liberalization will also bring some negative effects to China's commercial banks. Therefore, in order to provide reference and reference for the needs of relevant parties, we must fully understand and grasp the meaning of interest rate liberalization, find out the influencing factors, and on this basis, put forward targeted suggestions.</p>

Regulation is very useful in remedy the market failure effect caused by monopoly, especially in natural monopoly industry such as electricity. This paper first reviews the regulation situation in China's power industry, and then we analyze the influence factors that have influence on the regulation in power industry. At last we suggest a development path for China's power regulation.

Bus rapid transit (BRT) is characterized by higher speed, higher comfort level, and larger capacity than conventional bus service. Although many cities worldwide have adopted BRT in recent years, there is an absence of scientific and quantitative approach for BRT network planning. The problem of BRT planning in an existing transportation network is very complex with constraints of road geometrics, regulations, right of way, travel demand, vehicle operations, and so on. This paper focuses on developing an optimization model for BRT network planning, where an integer programing model is established to identify station locations and route layout with the objective of maximizing the number of trips served by the network, subjected to constraints including distance between stations, cost of construction, road geometrics, etc. The detour factor of the BRT route, which is an important indicator but widely ignored in previous studies, is also taken as a constraint. A heuristic method is applied to generate optimal solutions to the integer programming model, followed by a case study using the transportation network and travel demand data in Luoyang, China. The numerical results show that the method is valid and can therefore be applied to improve BRT network planning and the sustainable transportation system development.